Real estate: how much can executives borrow? The gap with the employees is dizzying

Excluded capital

SUP and employee executives are not equal in access to mortgage mortgage, as we know. But it is unknown to what extent … The answer in a study published by the Pretto broker, exclusively for capital.

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With of the rate now falling around 3%access to mortgage is otherwise easier than a year or two. For some even more than for others: your borrowing capacity is obviously not the same depending on whether you are a senior or employed executive! But do you have an idea of ​​this gap? He is colossalaccording to a study published this Friday, June 13 by Pretto, exclusively for Capital.

The broker based on the report published by the Observatory of inequality on June 3, according to which senior executives earn an average of 2,600 euros more per month than employees. A difference that increases with age and, therefore, professional experience. A SUP Frame under 30 years old Win on average 3,146 euros net per month, against 1,960 euros for an employee, all age groups combined for the latter. The High Council for Financial Stability requiring that mandatory mortgage payments do not represent more than 35% of income, Pretto estimates at 1,101 euros maximum the maximum monthly payment of the young SUP, and at 686 euros that of the employee. The broker thus estimates the borrowing capacity of the first at 227,161 euros, and that of the second, at 141,537 euros. Either A difference of more than 85,000 euros.

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Up to 92 square meters of additional purchase capacity

A substantial difference but without common measurement with that existing between an employee and a SUP executive aged 30 to 60, which receives between 4,530 and 5,430 euros monthly. She oscillates in A range of 190,359 euros at 256,069 euros! Either more or less the average amount of a real estate purchase in France … The gap is even more blatant when compared the borrowing capacity of a senior manager of more than 60 years to that of an employee. Thanks to a salary of 5,901 euros monthly, allowing him to reimburse 2,065 euros per month, the SUP 1832 135 euros. It is 290,598 euros more than the employee!

“In cities like Rouen or Nancy, this allows you to buy Up to 92 additional square meters»»Indicates Pretto. In other words, a large apartment, even a house. Or a well located in a more chic, safer city, better served by public transport. Or a good that will not need to be renovated, or which will be on the top floor, with terrace, with a beautiful building equipped with an elevator.